Credit manager Self-Employed - Muzzafarpur and Purnia

Credit Manager (Business Loan)

Position: Credit Manager Business Loan

Locations: Purnia & Muzaffarpur, Bihar

Department: Credit - Commercial / Business Loans

Reporting To: Regional Credit Manager

Role Purpose

The Credit Manager will be responsible for evaluating, underwriting, and recommending Business Loan proposals while ensuring adherence to the organization's credit policies, risk framework, and portfolio quality standards.

Key Responsibilities

Assess and underwrite Business Loan proposals including MSME, LAP, Working Capital, and SME funding cases.

Conduct detailed financial analysis, banking analysis, cash flow assessment, and creditworthiness evaluation.

Review business profiles, income documents, bureau reports, and collateral details.

Perform personal discussion (PD) and site visits wherever required.

Ensure compliance with credit policies, KYC norms, and regulatory guidelines.

Coordinate with Sales, Operations, Legal, Technical, and Risk teams for seamless loan processing.

Maintain portfolio quality and ensure controlled delinquency levels.

Provide timely credit decisions to support business growth while mitigating risk.

Monitor market trends and provide feedback on portfolio and underwriting practices.

Support audit, compliance, and portfolio review activities.

Eligibility Criteria

Graduate in any discipline (MBA/CA/ICWA preferred).

3-8 years of experience in Credit Underwriting for Business Loans, SME, LAP, Mortgage, or Commercial Lending.

Strong understanding of financial statement analysis, banking assessment, and credit appraisal.

Experience in evaluating self-employed and business banking customers.

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